Blog

National General Short Term Health Plans

If you find yourself in need of a short-term health care plan you should look into National General Short Term Health Plans. Short term health insurance is major medical insurance that you purchase for a defined period of time. In most cases the monthly premium is lower than other major medical health insurance coverage. There are other advantages to purchasing short-term health insurance beside the price. There are also no open enrollment restrictions on these plans, that means you can apply for coverage anytime. You will receive notification within minutes if your application is approved. You can use your coverage the day after you are approved.

Life can sometimes throw you a curve ball, if this happens you don’t want to be caught without insurance coverage. Spending any time without insurance coverage can be a little risky. National General’s Short Term Health Plans give you the safety net you need for those unpredictable times. These plans give you protection from unexpected medical bills and health care expenses for things such as:

Why should you join a National General Short Term Health Plan?

These plans are generally far more affordable than an ACA plan, even after you consider the tax penalty.

In the event that you do not qualify for Obamacare plan subsidies, you will be stuck paying very high premiums. For instance, A 29-year-old woman making $33,000 annually in South Florida will pay about $2,200 each year for a bronze-level Obamacare plan. On the other hand, she could purchase four short-term plans back-to-back for less than $500 a year. Even after you add in tax penalty of $695, she will still save over $1,000 per year. The plans have a comparable deductible.

You will still be eligible to join an ACA plan in the event that you develop a condition that prevents you from reapplying for a Short Term Health Insurance plan.

Affordable Care Act health plans cannot deny coverage for pre-existing conditions therefore, you will be eligible to join an ACA plan during open enrollment.

Short Term Health Insurance is Flexible. Did you know that the ACA requires every plan to cover 10 essential health benefits. These benefits include maternity services. This means that a single male with an ACA plan will have maternity coverage that he can never use. Short-term health insurance covers services that a healthy member is more likely to actually use.

There is No Annual Open Enrollment Period for these plans. In fact, you can enroll in a plan anytime you need one. In contrast, you cannot purchase an Obamacare plan if you do not sign up during the short, six-week Open Enrollment Period. Unless you meet certain criteria for a special enrollment period.

If you have any questions, please contact us either by phone at (203)796-5403 or by email at [email protected] We will be happy to go over your options for insurance coverage.

MetLife Dental Plans

MetLife dental plans are available through MetLifeTakeAlong Dental. TakeAlong dental is a PPO dental program that offers coverage to both you and your family. Three PPO plan designs are currently available to choose from. All three plans have affordable monthly premiums and a large network of participating providers. The MetLife dental plans offer you a number of benefits…

✓ To start, you will receive Coverage that stays with you even through different life stages

✓ Second, both you and your family can receive benefits

✓ Third, this plan offers competitive prices

✓ Equally important, there is a broad network of participating dentists to choose from

✓ Finally, you will receive hundreds of services/procedures at costs that may be lower than typical dental fees, including:

Cleanings

X-rays

Fillings

Dentures

Sealants

Orthodontics

Crowns

Extractions

Root Canals

Having the right Dental insurance can protect you and your family from unexpected dental expenses! MetLifeTakeAlong Dental offers comprehensive coverage today and in the future, even through different stages of your life.

Basic Restorative Services

Major Restorative Services

Covered Orthodontic Services

Not Covered

Not Covered

Child: 50%
Adult: Not Covered

Waiting Period

Some benefit Programs have waiting periods before certain dental work can be performed.

If you currently have comparable Dental coverage that has been in effect for at least 12 months, you may qualify to have the waiting period waived. You will have the opportunity to request a waiver during enrollment.

Waiting period does not apply to Dental DHMO/Managed Care programs.

6 months
Basic Restorative12 months *
Major Restorative* Vermont Residents: Any applicable waiting periods are limited to a maximum of 6 months. Once enrolled, this will be reflected in your policy.

6 months
Basic Restorative12 months *
Major Restorative* Vermont Residents: Any applicable waiting periods are limited to a maximum of 6 months. Once enrolled, this will be reflected in your policy.

6 months
Basic Restorative12 months *
Major Restorative
Orthodontics* Vermont Residents: Any applicable waiting periods are limited to a maximum of 6 months. Once enrolled, this will be reflected in your policy.